Banco Popular de Puerto Rico

Bill Robertson is director of core solutions at Apriva, and has experience overseeing point of sale product development. His duties include ensuring compliance with card association and acquiring processor requirements, supporting mobile payments, wallets, campus solutions, made-for-purpose point of sale and unattended payments.

Ms. Brooks leads a group of twenty lawyers who provide regulatory advisory and exam support for the Discover credit card business, as well as the corporate transactional support for Discover�s global payment services networks. �Ms. Brooks also regularly provides corporate governance counsel to her internal clients and related internal governance/risk committees.� Prior to joining Discover, Ms. Brooks was Vice President, General Counsel, and Secretary of The Clearing Corporation, the clearing house for the Chicago Board of Trade.� Before that, Ms. Brooks was an associate in the Chicago office of Jones Day, focused on M&A, secured financing/bankruptcy financing work.�Ms. Brooks serves as Secretary of the Board of Haven Youth and Family Services.� She also is a certified Illinois Swimming Stroke and Turn Judge and regularly officiates at swim meets. �

Michael Grillo is senior product marketing manager at ACI Worldwide. He is responsible for developing and executing product launch activities for the Payments Risk Management, Infrastructure and Mobile product lines. In this role, he drives thought leadership content, develops solution messaging, supports ACI sales and solution consulting teams and facilitates market awareness of ACI�s products and strategies.

Andrew J. Blady is General Counsel and Chief Compliance Officer for NCB Management Services, Inc., a national debt buyer and debt collection agency that has provided debt management services to major financial institutions since 1994.� Andrew is responsible for all legal, quality, and compliance functions within NCB.NCB is a charter member of the Consumer Relations Consortium (CRC).� Andrew is a regular participant with the CRC and he most recently worked with the CRC on its response to the CFPB�s Advanced Notice of Proposed Rule Making affecting the debt collection industry.� Last October, Andrew served on the panel titled ���Implementing Compliance Management Systems That Work for Your Organization� at the Financial Services Collections and Operational Risk Conference in Las Vegas.�Prior to joining NCB, Andrew was a partner in the law firm of Eastburn and Gray, P.C. located in Doylestown, Bucks County, Pennsylvania.� Andrew provided legal services to NCB as outside counsel for several years prior to joining NCB.�Andrew is admitted to practice before the Supreme Court of Pennsylvania, Supreme Court of New Jersey, and the United States District Court for the Eastern District of Pennsylvania.�

Charity A. Olson concentrates her practice in the area of consumer financial litigation and specializes in the defense of individual and class action claims stemming from alleged violations of debt collection, credit reporting and other consumer protection statutes.� She also handles complaints involving the Federal Trade Commission, the Consumer Financial Protection Bureau, state attorney generals and licensing boards and is skilled in handling civil investigative demands and other regulatory inquiries related to debt collection practices.� Her clients include lending institutions, loan servicers, credit card issuers, health care providers, debt purchasers, collection law firms and third-party collection agencies located throughout the United States.�Ms. Olson received her Bachelor of Arts degree, magna cum laude, from the University of Michigan and obtained her law degree, magna cum laude, from Thomas M. Cooley Law School. Prior to forming Olson Law Group, Ms. Olson worked as an attorney at Plunkett Cooney, one of the largest and most respected law firms in Michigan. �During her tenure at Plunkett Cooney, Ms. Olson handled commercial and banking litigation and founded the firm�s Consumer Financial Litigation Practice Group before forming the Olson Law Group.Ms. Olson is a member attorney of ACA International � The Association of Credit and Collections Professionals � and serves as ACA�s state compliance chair for the State of Michigan. She is also a past president and current board member of the Michigan Association of Collection Agencies, for which she also serves as National Legislative Chair. Ms. Olson frequently lectures on the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act and the Fair Credit Reporting Act and serves as outside compliance counsel to various accounts receivable management firms nationwide. In this capacity, Ms. Olson is responsible for the development, implementation and assessment of collection programs designed to maximize recovery while minimizing legal exposure and overall risk.

John Chaplin is author of National Payment Schemes: Drivers of Economic and Social Benefits? The research is based on interviews with and contributions from 25 national payments schemes on 5 continents, 6 former executives at international card networks, and executives from retail� banks, central banks and regulators.

Marcelo A. Aita is President and CEO for the NCB group of companies. NCB Management Services, Inc. is a national accounts receivable management company providing call center solutions to major financial institutions, commercial clients, debt buyers, and private schools since 1994. Prior to joining NCB in 2008, Marcelo held various finance and operations positions over 17 years at HSBC.In his last position at HSBC, as national director � call center operations for HSBC Card Services, North America, his responsibilities included managing customer service, sales, retention, and collection functions for the bankcard business. The call center operations group included nearly 8,000 employees across six call centers in the USA and six call centers in India, the Philippines, Malaysia, and Mexico. Marcelo and his senior team focused on people and performance management, employee engagement and satisfaction, customer experience, and developing future leaders.Marcelo joined HSBC through the Household International acquisition. He started with Household Canada in 1991 responsible for branch accounting � consumer finance. In 1995, he was named controller for Merchant Retail Services Limited, the Canadian private label credit card unit. Two years later, he relocated to Chesapeake, Virginia USA as performance engineer for Household Credit Card Services. In 1998, Marcelo was appointed financial analysis manager, risk control in Las Vegas, Nevada. He was promoted to director, collection services, in 2000 and then group director, risk control in 2002 where he managed their call center in Sioux Falls, South Dakota. In January 2004 he became group director, HSBC Global Resourcing North America, and was responsible for the strategic guidance and tactical execution involved in outsourcing functions on an international basis. In June 2005 he was appointed group director, customer care and sales. He moved into his last role with HSBC as national director, call center operations in August 2006.Marcelo obtained his bachelor's degree in Honours Chartered Accountancy Studies from the University of Waterloo, Canada. He became a Certified Management Accountant in 1995. Marcelo maintains his membership in the Society of Management Accountants of Ontario.

Mark Hickman is chieff operating officer at WinMagic, a Toronto-based IT security company. Before joining WinMagic in 2010, Hickman worked in software sales for 18 years, including senior sales management positions with Computer Associates (CA), BEA Systems Inc., and RightNow Technologies.

��

Louis has supported a range of Industry Roundtables since joining ACG in 2011, focusing on collections and operational risk within the credit card, auto finance, and mortgage industries as well as credit and debit card product strategy. Louis has contributed to various industry advocacy and regulatory policy initiatives, monitoring the impacts of regulatory and legislative developments. With a background in editorial roles, Louis applies his writing skills to these disciplines, delivering comprehensive reports and benchmark studies analyzing industry trends and best practices. He also supports various consulting engagements, focusing on gap identification, remediation, and documentation of policies and procedures. Louis has a B.A. in English-Journalism from Fairfield University.